I am an Active Lender with over 30 years of experience in Banking, Finance, and Real Estate Lending. I am experienced in Trial and Deposition Testimony. I was in the commercial banking industry for 25 years before leaving to form my own company, a commercial Real Estate lending company. We are a licensed California Finance Lender and Bureau of Real Estate Broker. My company provides services to banks, non-banks, and individuals in need of creative financing solutions. With over 30 years of experience in banking and real estate, my market knowledge and transactional experience has allowed me to work in a consulting and expert witness capacity for many clients over the years. Still an ACTIVE lender in the industry, I have has transacted hundreds of real estate and non-real estate loan negotiations in times of economic growth as well as downturns in the economy. My extensive credit background arms me with the understanding of how banks and other lenders operate internally. I have over 8 years expert witness experience with consultations, deposition, and courtroom testimony.